Whatever retirement looks like for you, the runway has to start now — at any age! 

Retirement isn't one fixed picture. For some people it's a full stop — no more working, ever. For others it's part-time consulting, travel between projects, or finally starting the business idea that's been sitting on a shelf for a decade. There's no single "right" version — but every version needs money to arrive on schedule, and that part doesn't plan itself.

The mistake most people make isn't spending too much before retirement — it's starting the planning too late, and discovering the gap between what they'll have and what they'll need only after there's no runway left to fix it. The earlier this planning starts, the smaller the monthly effort needed to get there, purely because compounding gets more years to work in your favour.

Retirement Planning at FRI means working backward from the life you actually want — the income you'll need each month, adjusted for inflation over decades, not today's prices — and building the combination of instruments that gets you there without last-minute compromises on the retirement you were picturing.

This isn't about how much you save. It's about making sure the money you save is positioned to still be there, and still be worth something, twenty or thirty years from now.

“Retirement is not the end of the road. It's the start of a road you finally get to choose.” — FRI Philosophy